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Travel insurance for scuba diving
Travel insurance for scuba diving
Need help?Our Aussie-based team is here to help.
Call 1300 409 322
Need help?
Our Aussie-based team is here to help.
Call 1300 409 322

Ready for your next scuba dive?

Ready for your next scuba dive?

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Finder Awards 2025 Highly Commended – Comprehensive Travel Insurance; Canstar 2025 Outstanding Value – Seniors Travel Insurance; WeMoney 2025 Winner – Domestic Travel Insurance of the Year

Rated by thousands†

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4.7 Rated

Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

See why over a million chose us

Multi award-winning cover†

Recognised for value

Finder Awards 2025 Highly Commended – Comprehensive Travel Insurance; Canstar 2025 Outstanding Value – Seniors Travel Insurance; WeMoney 2025 Winner – Domestic Travel Insurance of the Year
Rated by thousands†

on Product Review

4.7 Rated
Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

What customers are saying‡

Amazing! A very quick and smooth process and the coverage is easy to understand.

Annie

May 2025

It was great, efficient, clear and easy

Gabrielle

May 2025

We were recommended to Fastcover by a friend and wouldn't hesitate to recommend to others.

Mark

July 2026

We put in three separate claims for $17,600 worth of flights and hotels for five people. We got all the money back apart from the $200 excess each.

Alison

October 2026

Getting a quote and purchasing my policy was quick & easy, taking just minutes.

Adem

May 2025

What customers are saying‡

Amazing! A very quick and smooth process and the coverage is easy to understand.

Annie

May 2025

It was great, efficient, clear and easy

Gabrielle

May 2025

We were recommended to Fastcover by a friend and wouldn't hesitate to recommend to others.

Mark

July 2026

We put in three separate claims for $17,600 worth of flights and hotels for five people. We got all the money back apart from the $200 excess each.

Alison

October 2026

Getting a quote and purchasing my policy was quick & easy, taking just minutes.

Adem

May 2025

Top 3 things to know

What it covers

Optional extras

Compare benefits

Top 3 things to know

What it covers

Optional extras

Compare benefits

Learn more about travel insurance for scuba diving

Updated on

11 November 2026

Learn more about travel insurance for scuba diving

Updated on

11 November 2026

Tatjana Growth Manager at Fast Cover

Written by

Ibrahim Quality Assurance and Audit Officer at Fast Cover

Reviewed by

Fact checked

Tatjana Growth Manager at Fast Cover

Written by

Ibrahim Quality Assurance and Audit Officer at Fast Cover

Reviewed by

Fact checked

Key takeaways

This is only a summary of some things to know, so always read the PDS before deciding to buy.

Key takeaways

This is only a summary of some things to know, so always read the PDS before deciding to buy.

No h2 headings found in #content

Medical emergencies can happen during a diving holiday overseas. Fast Cover's Emergency Assistance (EA) team of experts are available to provide 24/7 support for overseas medical emergencies.*

An unexpected trip to a hospital overseas is the last thing you might want on your holiday, and overseas medical expenses can add up quickly. If you get injured while scuba diving on your overseas trip, Fast Cover may be able to help with reasonable overseas emergency medical and hospital expenses in circumstances covered under your policy.* Read more about overseas emergency medical and hospital expenses. 

Dive sites are often offshore or on remote islands, and getting to emergency care  can make a big difference. Fast Cover's international policies are available to provide cover for a medical transfer, evacuation or repatriation if you must be taken to the nearest hospital for emergency treatment or brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.* 

Cancelled adventures aren't just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help with the non-refundable trip bookings you've already paid for, including flights, accommodation and tours, in circumstances explained in your policy. Cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.* 

If your trip is interrupted in circumstances covered under your policy, Fast Cover's Trip Disruption Expenses benefit may help with reasonable additional travel and accommodation expenses while you're still on your trip. This benefit isn't available with the Basics policy.* 

Our Accidental Death benefit pays a lump sum to your estate if you pass away during your trip in circumstances covered under your policy. It's available with Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.* 

Medical emergencies can happen during a diving holiday overseas. Fast Cover's Emergency Assistance (EA) team of experts are available to provide 24/7 support for overseas medical emergencies.*

An unexpected trip to a hospital overseas is the last thing you might want on your holiday, and overseas medical expenses can add up quickly. If you get injured while scuba diving on your overseas trip, Fast Cover may be able to help with reasonable overseas emergency medical and hospital expenses in circumstances covered under your policy.* Read more about overseas emergency medical and hospital expenses. 

Dive sites are often offshore or on remote islands, and getting to emergency care  can make a big difference. Fast Cover's international policies are available to provide cover for a medical transfer, evacuation or repatriation if you must be taken to the nearest hospital for emergency treatment or brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.* 

Cancelled adventures aren't just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help with the non-refundable trip bookings you've already paid for, including flights, accommodation and tours, in circumstances explained in your policy. Cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.* 

If your trip is interrupted in circumstances covered under your policy, Fast Cover's Trip Disruption Expenses benefit may help with reasonable additional travel and accommodation expenses while you're still on your trip. This benefit isn't available with the Basics policy.* 

Our Accidental Death benefit pays a lump sum to your estate if you pass away during your trip in circumstances covered under your policy. It's available with Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.* 

Scuba diving, or diving underwater using an artificial breathing apparatus, to a depth of no more than 10 metres is included in our Covered Sports and Leisure Activities, so the Adventure Pack isn't needed.* 

Diving deeper than 10 metres, to a depth of no more than 30 metres, is an Adventure Pack activity, so cover for these dives is available when you add the Adventure Pack for an additional premium.* 

There's no cover for diving deeper than 30 metres.*

Scuba diving, or diving underwater using an artificial breathing apparatus, to a depth of no more than 10 metres is included in our Covered Sports and Leisure Activities, so the Adventure Pack isn't needed.* 

Diving deeper than 10 metres, to a depth of no more than 30 metres, is an Adventure Pack activity, so cover for these dives is available when you add the Adventure Pack for an additional premium.* 

There's no cover for diving deeper than 30 metres.*

Got a big adventure planned? Fast Cover's Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.* 

Remember, scuba diving deeper than 10 metres, up to 30 metres, is an adventure activity. This means you'll need to add on the Adventure Pack to have cover for these dives. 

Examples of some activities that require the Adventure Pack include: 

Conditions apply for activities under our Adventure Pack, so read the PDS for full T&Cs. 

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.*

For more details, visit our page on adventure travel insurance. 

Setting voyage on a cruise? If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip. Cruise cover is automatically included with the Frequent Traveller Saver policy.* If you plan to scuba dive during a cruise of 1 or more overnight stays in Australia, or 4 or more nights overseas on a cruise ship, cruise cover needs to be specified for your dives to be included.* 

For more details, visit our page on cruise travel insurance. 

Got a big adventure planned? Fast Cover's Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.* 

Remember, scuba diving deeper than 10 metres, up to 30 metres, is an adventure activity. This means you'll need to add on the Adventure Pack to have cover for these dives. 

Examples of some activities that require the Adventure Pack include: 

Conditions apply for activities under our Adventure Pack, so read the PDS for full T&Cs. 

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.*

For more details, visit our page on adventure travel insurance. 

Setting voyage on a cruise? If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip. Cruise cover is automatically included with the Frequent Traveller Saver policy.* If you plan to scuba dive during a cruise of 1 or more overnight stays in Australia, or 4 or more nights overseas on a cruise ship, cruise cover needs to be specified for your dives to be included.* 

For more details, visit our page on cruise travel insurance. 

Cover for existing medical conditions

If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be included. Check out our PDS for more details about existing medical conditions and how we define them.

Select who needs cover

Once you've added all travellers to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a medical screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to add cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

Cover for existing medical conditions

If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be included. Check out our PDS for more details about existing medical conditions and how we define them.

Select who needs cover

Once you've added all travellers to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a medical screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to add cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

Insurance cover options for your scuba diving holiday 

At Fast Cover, we have a range of coverage options available for your scuba diving holiday. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Insurance cover options for your scuba diving holiday 

At Fast Cover, we have a range of coverage options available for your scuba diving holiday. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Comprehensive

Standard Saver

Basics (medical only)

Domestic Plus

Snow Sports Plus

Frequent Traveller Saver

Even with a dive operator's safety briefing and a licensed instructor, injuries and diving illnesses such as decompression sickness can happen, and medical treatment overseas can be expensive. Consider if your scuba diving insurance can provide cover for overseas emergency medical and hospital expenses. 

Many dive sites are offshore or on remote islands, a long way from the nearest hospital. Consider if your scuba insurance can provide cover for emergency medical evacuation or repatriation if you're seriously injured or unwell. 

Becoming unexpectedly sick or injured could force you to cancel your trip, leaving you with non-refundable dive bookings, flights and accommodation. Consider if your policy can provide cover for trip cancellation expenses. 

Diving depends on sea and weather conditions, and severe weather or transport cancellations could disrupt your plans while you're away. Consider if your policy can provide cover for trip disruption expenses. 

This is a summary only and does not cover all situations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD to determine whether travel insurance is right for you before buying.

Even with a dive operator's safety briefing and a licensed instructor, injuries and diving illnesses such as decompression sickness can happen, and medical treatment overseas can be expensive. Consider if your scuba diving insurance can provide cover for overseas emergency medical and hospital expenses. 

Many dive sites are offshore or on remote islands, a long way from the nearest hospital. Consider if your scuba insurance can provide cover for emergency medical evacuation or repatriation if you're seriously injured or unwell. 

Becoming unexpectedly sick or injured could force you to cancel your trip, leaving you with non-refundable dive bookings, flights and accommodation. Consider if your policy can provide cover for trip cancellation expenses. 

Diving depends on sea and weather conditions, and severe weather or transport cancellations could disrupt your plans while you're away. Consider if your policy can provide cover for trip disruption expenses. 

This is a summary only and does not cover all situations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD to determine whether travel insurance is right for you before buying.

Dives up to 10 metres are included in Covered Sports and Leisure Activities, while dives from 10 to 30 metres need the Adventure Pack*, so you may wish to check the maximum depth of the dives you're planning before you buy. 

Cover depends on holding an open water diving licence recognised in Australia or diving with an instructor licensed for these activities*, so you may wish to check that your scuba diving certification is recognised before you travel. Dive operators also set their own requirements, such as a scuba diving age limit. The Adventure Pack has its own age limit: it's available to travellers aged 74 and under at the date of policy issue.* 

Will your dives be part of a cruise? You may wish to check whether to add cruise cover to your policy. 

Dive courses and liveaboard trips are often paid upfront, along with flights and accommodation. You may wish to consider whether your policy includes trip cancellation cover and whether its limit suits what you've paid. 

This is a summary only and does not cover all considerations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD before buying.

Dives up to 10 metres are included in Covered Sports and Leisure Activities, while dives from 10 to 30 metres need the Adventure Pack*, so you may wish to check the maximum depth of the dives you're planning before you buy. 

Cover depends on holding an open water diving licence recognised in Australia or diving with an instructor licensed for these activities*, so you may wish to check that your scuba diving certification is recognised before you travel. Dive operators also set their own requirements, such as a scuba diving age limit. The Adventure Pack has its own age limit: it's available to travellers aged 74 and under at the date of policy issue.* 

Will your dives be part of a cruise? You may wish to check whether to add cruise cover to your policy. 

Dive courses and liveaboard trips are often paid upfront, along with flights and accommodation. You may wish to consider whether your policy includes trip cancellation cover and whether its limit suits what you've paid. 

This is a summary only and does not cover all considerations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD before buying.

There's no cover for claims arising from diving deeper than 30 metres.* 

Dives deeper than 10 metres aren't covered unless you've added the Adventure Pack.* 

Cover is only available if you hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities.* 

Free diving isn't covered, regardless of your policy type or whether you've added the Adventure Pack.* 

If you're diving during a cruise of 1 or more overnight stays in Australia, or 4 or more nights overseas, there's no cover for those dives unless cruise cover is specified.* 

There's no cover for claims arising while you're participating in professional sport in a professional capacity.* 

There's no cover under Overseas Emergency Medical and Hospital Expenses for medical expenses incurred in Australia.* 

There's no cover for claims arising from diving deeper than 30 metres.* 

Dives deeper than 10 metres aren't covered unless you've added the Adventure Pack.* 

Cover is only available if you hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities.* 

Free diving isn't covered, regardless of your policy type or whether you've added the Adventure Pack.* 

If you're diving during a cruise of 1 or more overnight stays in Australia, or 4 or more nights overseas, there's no cover for those dives unless cruise cover is specified.* 

There's no cover for claims arising while you're participating in professional sport in a professional capacity.* 

There's no cover under Overseas Emergency Medical and Hospital Expenses for medical expenses incurred in Australia.* 

Expert tip

"Adventure activity operators often ask you to sign a waiver on the day, and some offer their own cover for an extra fee, with terms you may only have a few minutes to read. Before you travel, check whether your adventure activity is covered. Some activities are included in our standard policies, and others can be covered by adding our Adventure Pack to an eligible Fast Cover policy. Limits, conditions, exclusions apply. For example, you may need to use a licensed operator and follow their instructions. Overseas medical costs can be very expensive, so it’s worth checking before you go."

General advice only, and does not take into account your individual objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to making a decision.

Expert tip

"Adventure activity operators often ask you to sign a waiver on the day, and some offer their own cover for an extra fee, with terms you may only have a few minutes to read. Before you travel, check whether your adventure activity is covered. Some activities are included in our standard policies, and others can be covered by adding our Adventure Pack to an eligible Fast Cover policy. Limits, conditions, exclusions apply. For example, you may need to use a licensed operator and follow their instructions. Overseas medical costs can be very expensive, so it’s worth checking before you go."

General advice only, and does not take into account your individual objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to making a decision.

Compare travel insurance benefits

Depending on the level of cover you take out with your travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances on your scuba diving trip. Compare our travel insurance policies and benefits below.

Benefits
Basics
Standard Saver
Comprehensive
Important information

The table below is only a summary of benefits.

Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website.

Benefit limits shown apply per person for both Singles and Duo policies.

1 Cover under these benefits are excluded while travelling within Australia.

2 These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately.

3 These benefit limits are shared between Duo policy holders.

If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.

Medical benefits
4 benefits
4 benefits
8 benefits
Overseas 24/7 Emergency Medical Assistance1Sub limits apply
Unlimited
Unlimited
Unlimited
Overseas Emergency Medical & Hospital Expenses1
Unlimited
Unlimited
Unlimited
Overseas Emergency Dental1
$500
$750
$1,000
Overseas Emergency Evacuation & Repatriation1Sub limits apply
Unlimited
Unlimited
Unlimited
Overseas Hospital Cash Payment1Sub limits apply
$5,000
Accidental DeathSub limits apply
$25,000
Permanent Disability1Sub limits apply
$50,000
Loss of Income1Sub limits apply
$10,400
Financial benefits
2 benefits
7 benefits
11 benefits
Snow sports benefits
No cover
No cover
No cover
COVID-19 benefits
1 benefits
2 benefits
2 benefits

Compare travel insurance benefits

Depending on the level of cover you take out with your travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances on your scuba diving trip. Compare our travel insurance policies and benefits below.

Basics
Standard Saver
Important information

The table below is only a summary of benefits.

Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website.

Benefit limits shown apply per person for both Singles and Duo policies.

1 Cover under these benefits are excluded while travelling within Australia.

2 These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately.

3 These benefit limits are shared between Duo policy holders.

If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.

Medical benefits
Overseas 24/7 Emergency Medical Assistance1Sub limits apply
Unlimited
Unlimited
Overseas Emergency Medical & Hospital Expenses1
Unlimited
Unlimited
Overseas Emergency Dental1
$500
$750
Overseas Emergency Evacuation & Repatriation1Sub limits apply
Unlimited
Unlimited
Overseas Hospital Cash Payment1Sub limits apply
Accidental DeathSub limits apply
Permanent Disability1Sub limits apply
Loss of Income1Sub limits apply
Financial benefits
Snow sports benefits
COVID-19 benefits

Need cover for scuba diving?

Need cover for scuba diving?

Where will your next scuba dive take you?

Discover travel insurance for your next dive trip, from scuba diving in the Philippines and Bali's wrecks to the Red Sea in Egypt and the islands of Vanuatu.

Where will your next scuba dive take you?

Discover travel insurance for your next dive trip, from scuba diving in the Philippines and Bali's wrecks to the Red Sea in Egypt and the islands of Vanuatu.

Got a question?

Am I covered for Scuba Diving?

Do I need an open water diving licence to be covered for scuba diving?

If I have booked a scuba dive, and get sick before the dive, am I covered for the cost to cancel?

Am I covered for Free Diving?

Is Snorkelling covered?

Is Shark cage diving covered?

How can I add the Adventure Pack to my travel insurance policy?

Got a question?

Am I covered for Scuba Diving?

Do I need an open water diving licence to be covered for scuba diving?

If I have booked a scuba dive, and get sick before the dive, am I covered for the cost to cancel?

Am I covered for Free Diving?

Is Snorkelling covered?

Is Shark cage diving covered?

How can I add the Adventure Pack to my travel insurance policy?

Things you need to know
Things you need to know
Things you need to know

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Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.